State insurance regulations for Alabama are slowly adapting to the needs of these populations, but there are still many things to consider for those in need of individual or family insurance:
- Access to individual health insurance can depend on health status.
- Health insurance carriers do not have to offer a standardized policy.
- Insurance carriers can add an elimination rider onto any policy, and pre-existing clauses are allowed.
- Carriers in Alabama don't have to give consumers credit for prior coverage.
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Families with lower incomes can find health insurance opportunities through the Public Health Department. Medicaid offers limited coverage to those living under the poverty limit, while ALL Kids, Alabama's S-CHIP offering, provides children of limited income families comprehensive medical coverage for a small yearly fee. Parents pay premiums/co-pays based on their incomes. Other health insurance options include a federal income tax credit for unemployed workers and the popular WIC program.
For those whose income puts them out of reach of state aid, there are still many health insurance options, including the following:
- Health insurance through associations: Whether you're in a teachers union, farm workers organization or hobby group, you can get individual coverage at group prices.
- Non-Profit Resource Center of Alabama: offers HMO and PPO insurance.
- Alabama Health Insurance Plan: For those who have exhausted coverage through a previous employer and do not have other coverage available.
- Discount plans and individual options: Some companies offer medical discount plans for a monthly cost.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
